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American Express: Platinum Cashback Credit Card reviews

Name: Platinum Cashback Credit Card
Rating: 4.65 (68 reviews)

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4.45

Based on 68 reviews, last reviewed 12th Jun 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

74%

21%

2 star

Latest highest rating:

5

Easy to use. Easy to use. Good rewards and cash back. Easy to get hold of customer service if/when needed. Reviewed on: 12th June 2025

Latest lowest rating:

1

Abysmal service I opened a dispute claim for a product purchased with Amex on Ebay. Big mistake! They have been dragging this for weeks, they close the dispute withou... Read more Reviewed on: 28th January 2024

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About this product

At Smart Money People, we're the UK's #1 place online for American Express Platinum Cashback credit card reviews. Whether you're looking for people's comments on the cashback offer on the card, or other benefits the card offers to customers, see what people have said before making up your mind on this card. Or have you already used the Platinum Cashback card? Share a review and mention what you liked or disliked about the card, and you'll be helping others!

American Express Platinum Cashback Credit Card reviews (68)

Review of the American Express, Platinum Cashback Credit Card:

This is one way to earn cash back and savings where...

This is one way to earn cash back and savings where otherwise you wouldn’t. It’s significantly better than the next best alternative - a 0% interest rate current account. Reviewed on: 24th May 2024

Have used this card for years and the cashback featu...

Have used this card for years and the cashback feature is great. Amex customer service team are super helpful too. Reviewed on: 13th April 2024

Mostly effortless

Easy to sign up and effortless to use. Authenticating can be a little clunky, so I tend not to use the app much, instead relying on Monzo. Reviewed on: 8th March 2024

Abysmal service

I opened a dispute claim for a product purchased with Amex on Ebay. Big mistake! They have been dragging this for weeks, they close the dispute without contacting me, send communication by mail without alerting me that takes avoer 7 working days to arrive. I talked to over 12 agents over the phone. Quite aside from the fact that each agent tells me a different thing, they are all unhelpful. They charged me back because Ebay told them I am still in possession of the item but both Ebay and Amex refuse to give me the seller;s name and adress so I can return the product via a tracked/signature on delivery option. I asked for my case to be escalated and I was told I will be contacted within 3-5 working days. I wasn't. Today I lodged a complaint and was told again I will be contacted within 3-5 working days. I won't hold my breath, but I can tell you that's the last time I'll use their card. I opted for them because I had their card in the US, but their UK brank is a total joke. Reviewed on: 28th January 2024

Best Company Ever to Deal with

Short review. I have never had a problem with this company and the only one time I had a query it was handled and solved immediately over the phone Reviewed on: 21st August 2023

Unrivalled in the UK!

AMEX is widely known in the UK as the card that doesn’t work across most of the country. However, with the increase in contactless POS providers (like Square etc) I use my AMEX as a true everyday spender. Platinum cash back is so so easy. It’s a small win every day, I use my AMEX with my partner on everything and make a flight to Australia as cash back each year. Of course, Amex also have a deal with Qantas for said flight… £200 off. It’s just the most convenient thing. Love these American banks in the UK, they’re unrivalled Reviewed on: 27th June 2023

Good first credit card to apply

It is a user friendly and easy to understand all the terms and conditions for a first time credit card. Reviewed on: 26th June 2023

Accepted practically everywhere, a must have

This card is a must have. At first I was hesitant to get it because I was worried that I wouldn't be accepted at my regular shopping outlets. However, it is accepted at most places save for a handful. The amount of cashback is unimaginable and it is so easy to have a go to card to use for all spending. The offers are also great, I bought train tickets with 10% cashback. Reviewed on: 16th June 2023

Great cash back card

This is an excellent cash back card. I use it for all of my normal purchases e.g. food shopping and petrol. I would be spending the money anyway but I earn cash back on it which I use at the end of the year to treat myself. The app is use friendly and I feel secure with the security features. Overall an excellent card. Reviewed on: 15th June 2023

Brilliant customer service

What really sets Amex apart is incredible customer service. Reviewed on: 15th June 2023

Professional Customer Care

Have been with AMEX since 2017. Any time I have had to deal with them they have always been swift, friendly and helpful. Even when I had to utilise a section 75 claim, their service and care was exceptional. The only little gripe I have with my Platinum cashback card, is that unless you spend a minimum amount in the year you will forfeit all earned cashback. Even with this being the case I still use my AMEX as I know if there is a problem they will be on hand to help me out. Reviewed on: 13th June 2023

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